What Are the Key Differences Between Harper and Liberty Mutual Medical Malpractice Insurance?
Claims-made, tail and entity coverage
Harper says most medical-malpractice policies it places are claims-made, making the retroactive date and tail coverage important when a clinician changes jobs, retires or changes carriers. It also places entity coverage for the practice or facility, not only individual clinicians. Liberty Mutual describes professional-liability solutions for healthcare organizations and physician groups but does not state comparable claims-made or tail terms in the reviewed claim. The form and declarations must establish which trigger applies. [2] [3]
Coverage and placement
Harper describes protection for allegations involving diagnosis, treatment, medication or supervision, and says its placements can include licensing-board complaint defense as well as lawsuits. Liberty Mutual names separate programs for hospitals, outpatient providers and physician groups, with differences in insured professions and terms. Harper acts as broker and says a specialist discusses occurrence-versus-claims-made choices; Liberty Mutual describes a dedicated healthcare practice. Buyers should compare professional-service definitions and board-defense wording in the actual proposals. [2] [3]
What Should You Confirm in Harper and Liberty Mutual Medical Malpractice Insurance Quotes?
- Ask Harper to identify the retroactive date, tail options, entity insureds and whether licensing-board defense is within the limit.
- Ask Liberty Mutual which specific program fits and whether its form includes tail, entity and licensing-board defense provisions.